Compliance CX

Susan Silma

Susan Silma is head, regulatory business practices, at Sun Life Financial Investment Services. She is a lawyer and former regulator, and is passionate about integrating compliant practices into a positive advisor/client relationship.

For clients, information on their investments is now just a click away. Advisors can help minimize their overreaction to market movements.

  • May 22, 2019 June 25, 2019
  • 17:30

Increase engagement by focusing on your client’s goals rather than only the details of their investments

  • March 20, 2019 June 25, 2019
  • 15:50

Advisors could use technology to make necessary processes less cumbersome and more understandable for clients

  • January 24, 2019 June 25, 2019
  • 06:00

Advisors should use the proposed client-focused reforms as an opportunity to strengthen relationships with clients

  • November 22, 2018 June 25, 2019
  • 06:00

Behavioural economics provides a framework for advisors to help direct clients to make decisions consistent with their long-term goals

  • September 27, 2018 June 25, 2019
  • 06:00

There are key steps advisors can take now to be ahead of the game and deliver better outcomes for clients

  • July 26, 2018 June 25, 2019
  • 06:00

There are various steps advisors can take to ensure a positive client experience while still being compliant

  • May 31, 2018 June 25, 2019
  • 06:30

More columnists

Responsible Investing

Dustyn Lanz

Sustainable finance: three things advisors need to know

What is sustainable finance, and what does the recent report from Canada’s Expert Panel on Sustainable Finance mean for advisors?

  • June 21, 2019 June 25, 2019
  • 13:49

Gender lens investing

Men hold the vast majority of board seats and CEO positions in Canada. Gender lens investing aims to close the gap.

  • April 26, 2019 June 25, 2019
  • 16:00

Impact investing goes public

Growing awareness of social and environmental problems has laid the foundation for impact investing

  • March 1, 2019 June 25, 2019
  • 16:00

Retail investors join institutions on climate concerns

Ignoring the financial risks related to climate change no longer is a viable option for investment professionals

  • January 7, 2019 June 25, 2019
  • 06:00
Advisor at Risk

Ellen Bessner

Avoiding conflicts in soliciting arrangements

IIROC and the CSA have provided new guidance to dealers

  • June 14, 2019 June 25, 2019
  • 15:24

If the regulator or SRO comes knocking, answer the door

Not responding will result in a much harsher penalty

  • May 17, 2019 June 25, 2019
  • 16:00

Understanding your fiduciary duty

Tips for knowing when you’re in a fiduciary relationship and providing dutiful service

  • April 18, 2019 June 25, 2019
  • 17:00

Invisible women clients

Advisors who ignore this emerging pool of wealth do so at their own peril

  • March 22, 2019 June 25, 2019
  • 16:23
Industry Perspectives

Ian Russell

Streamlining eDelivery for prospectuses

How the “notice and access” mechanism for proxy voting could be extended to other documents

  • June 12, 2019 June 25, 2019
  • 15:38

The OSC Burden Reduction Task Force can make a difference to clients

Lower compliance costs will allow advisors to better serve smaller investors

  • April 16, 2019 June 25, 2019
  • 17:09

Investors can benefit from regulatory streamlining

Clients have demanded an integrated platform of products and services driven by their desire for convenient, one-stop shopping

  • February 14, 2019 June 25, 2019
  • 06:00

FSRA will have many benefits

Ontario’s new insurance regulator will raise the standards of transparency and conduct not only in the province, but nationally

  • December 14, 2018 June 25, 2019
  • 06:30
Tax Matters

Jamie Golombek

Appeal Court upholds RRSP overcontribution penalties

Recent FCA case confirms lower court decision denying relief of overcontribution tax, penalties and interest

  • June 7, 2019 June 25, 2019
  • 14:34

A cautionary tale on interest deductibility

A recent FCA case confirms a lower court’s decision restricting interest deductibility when ROC is involved

  • May 10, 2019 June 25, 2019
  • 16:00

Canadians love their tax refunds

Advisors can play a huge role in helping clients understand how taxes affect their investments

  • April 12, 2019 June 25, 2019
  • 12:17

Jamie’s top RRSP tips for clients

As the annual contribution deadline approaches, here are three ways to help your clients get the most from their RRSPs

  • February 19, 2019 June 25, 2019
  • 06:00
Focus on Financial Planning

Keith Costello

Deciphering Ontario’s Financial Professionals Title Protection Act

Financial planners and advisors should be aware that the act may go beyond title protection

  • May 31, 2019 June 25, 2019
  • 15:54

Helping clients avoid market groupthink

Long-term investment portfolio values and retirement goals can suffer when your clients follow market irrationality

  • April 23, 2019 June 25, 2019
  • 15:43

Harmonization is the key to reducing regulatory load

Multiple rules and regimes mean increased costs for advisors, planners and clients

  • February 11, 2019 June 25, 2019
  • 06:00

Traditional retirement planning may not meet Canadians’ needs

Financial planners and financial advisors need to re-evaluate retirement planning processes to ensure they resonate with their clients

  • December 3, 2018 June 25, 2019
  • 05:30
Technology

David Reeve

Preparing for the intergenerational wealth transfer

As millennials inherit their parents’ wealth, advisors will need to evolve their business practices

  • May 24, 2019 June 25, 2019
  • 16:56

How to increase digital adoption for client wealth reporting

Three key steps to improve investor engagement and advisor success

  • April 5, 2019 June 25, 2019
  • 13:48

Technology can ease the regulatory burden

Advisors and dealers are looking for strategies to remain compliant while managing costs and improving client satisfaction

  • February 7, 2019 June 25, 2019
  • 07:00

Get ahead on the client-focused reforms

Advisors could begin to use technology now to stay onside of the CSA’s proposed client-focused reforms when they take effect

  • December 10, 2018 June 25, 2019
  • 06:00
Compliance CX

Susan Silma

Is technology encouraging short-term thinking in clients?

For clients, information on their investments is now just a click away. Advisors can help minimize their overreaction to market movements.

  • May 22, 2019 June 25, 2019
  • 17:30

Focus on people, not just products

Increase engagement by focusing on your client’s goals rather than only the details of their investments

  • March 20, 2019 June 25, 2019
  • 15:50

Improve client engagement with technology

Advisors could use technology to make necessary processes less cumbersome and more understandable for clients

  • January 24, 2019 June 25, 2019
  • 06:00

Do the right thing for your clients

Advisors should use the proposed client-focused reforms as an opportunity to strengthen relationships with clients

  • November 22, 2018 June 25, 2019
  • 06:00
Investment Funds

Paul Bourque

The value of asking clients for a trusted contact

Getting a contact name early can help advisors manage issues before they arise

  • May 15, 2019 June 25, 2019
  • 16:00

Applying a behavioural lens to improve financial disclosure

Research shows that behavioural insights can improve the way information is shared with investors

  • March 13, 2019 June 25, 2019
  • 16:40

Controlling the cost of regulation is a must

Regulators need to introduce systemic changes that will control the growth of regulation, improve regulatory efficiency and reduce the regulatory burden

  • January 17, 2019 June 25, 2019
  • 06:00

Leveraging behavioural economics research to enhance disclosure

Existing research shows that providing investors with clear and timely information, in a format that’s proven to be effective, can only lead to better outcomes

  • November 15, 2018 June 25, 2019
  • 06:00
Focus on Financial Planning

Cary List

Long overdue title protection coming to Ontario

But the devil will be in the details

  • May 3, 2019 June 25, 2019
  • 16:49

Now is the time to regulate financial services titles

Consumers expect professionalism and true value from financial advisors

  • March 8, 2019 June 25, 2019
  • 17:00

Turbulent markets require a professional touch

Professional financial planners are uniquely positioned to help clients stay on track during periods of market volatility

  • January 14, 2019 June 25, 2019
  • 06:00

All Canadians must have access to a financial planner

The financial services sector needs to take steps to ensure the financial planning needs of the mass market consumer are served

  • November 12, 2018 June 25, 2019
  • 07:00

The benefits of factor-based investing

Why to consider multifactor ETFs

  • April 30, 2019 June 25, 2019
  • 12:26

Constructing ETF portfolios

The amount of time and effort put into deciding the benchmark for each portfolio you build is critical

  • February 4, 2019 June 25, 2019
  • 06:00

Making the paradigm shift to ETFs

One advisor shares her journey on making the switch to a fee-based practice focused on providing client portfolios of ETFs

  • November 8, 2018 June 25, 2019
  • 06:15

Technology will drive harmonization, regulators say

The insurance industry is taking a page from the mutual fund industry, leveraging technology to address mounting disclosure regulations

  • January 2, 2018 June 25, 2019
  • 10:30

AI is not just another fad

AI is slowly making its way into the wealth-management industry and will ultimately transform financial advisors’ role

  • October 29, 2017 June 25, 2019
  • 13:00

Is financial services the next music industry?

Blockchain technology may transform financial services just as peer-to-peer file-sharing technology changed the music industry almost 20 years ago

  • September 4, 2017 June 25, 2019
  • 17:00

Clients want humans, not robots

Far from replacing interaction with real people, technology strengthens the financial advisor’s client service

  • July 10, 2017 June 25, 2019
  • 05:00
Cybersecurity

Yan Huard

Managing the risks related to social media

Read and follow your firm’s guidelines on social media use and take the necessary steps to protect yourself

  • September 20, 2017 June 25, 2019
  • 16:20

Why security professionals fell short on ransomware attacks

Although it’s costly to upgrade key IT systems, the costs of not doing so could be much greater

  • July 27, 2017 June 25, 2019
  • 05:00

Cyberthreats extend beyond money

Hacktivism, ideological insiders and intelligence gathering are key sources of cyberattacks threating financial services firms

  • May 25, 2017 June 25, 2019
  • 09:30

Cloud computing: Bringing light to security issues

Now is the time to adopt a concerted cloud migration strategy because the security challenges associated with this technology will be on our radar screens…

  • March 23, 2017 June 25, 2019
  • 06:00
Responsible Investing

Deb Abbey

The need for sustainable business supply chains is growing

Advisors and their clients stand to benefit when corporate leaders focus on building socially and environmentally responsible enterprises

  • February 21, 2017 June 25, 2019
  • 06:00

Opportunity knocks for investors who want to make an impact

A growing base of investors are looking for investments that contribute measurably to environmental and social sustainability

  • October 20, 2016 June 25, 2019
  • 05:00

Diversity makes dollars and sense

Corporate boards and executive teams that lack gender and cultural diversity risk missing out on opportunities to generate long-term value

  • August 18, 2016 June 25, 2019
  • 05:00

Good corporate governance matters

You can play an active role in ensuring company executives and directors are working in the best interests of their shareholders

  • June 16, 2016 June 25, 2019
  • 05:00
Protecting Investors

Neil Gross

Be bold, regulators

Those still timorous and uncertain about introducing a best interest duty have a duty, themselves, to become decisive

  • October 31, 2016 June 25, 2019
  • 05:00

Non-GAAP metrics: investors’ little helpers or harmful nonsense?

Every company can calculate non-GAAP metrics however they want, so there’s real risk of investors and markets being misled

  • October 3, 2016 June 25, 2019
  • 05:00

Class dismissed

Overcautious courts are erecting barriers to securities class actions, even though these lawsuits are essential for maintaining the integrity and fairness of our capital markets

  • September 6, 2016 June 25, 2019
  • 09:00

Why is deficient issuer disclosure allowed to persist?

Data show that investors routinely receive, or are at risk of receiving, seriously bad disclosure from reporting issuers more than a quarter of the time

  • August 8, 2016 June 25, 2019
  • 06:30
Protecting Investors

Ermanno Pascutto

The CSA must act on critical reforms

Two key issues — the best-interests standard and reform of mutual fund fees — require timely and effective action

  • March 2, 2014 June 25, 2019
  • 16:31

Treat shareholders fairly when venture issuers raise capital

FAIR Canada supports exemptions that have the key features of rights offerings or private placements in compliance with the TSXV’s private placement rules

  • February 3, 2014 June 25, 2019
  • 06:15

Reform of accredited investor exemption is needed

Current regulations assume that an investor’s wealth is a proxy for sophistication. This has to change

  • January 6, 2014 June 25, 2019
  • 06:30

Canadians deserve real price competition in mutual funds

Paying fees for financial advice separately from those of financial products would result in price competition and better advice

  • November 25, 2013 June 25, 2019
  • 06:00